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Locations in Iowa and Nebraska to serve you.

As a credit union, we're organized differently than other financials. Veridian is a not-for-profit financial cooperative owned by our members. That means all the net earnings are returned to members in the form of lower loan rates, higher savings, and low-to-no fees. Veridian is also governed by a volunteer board of directors who are elected by our members. Each member has one vote in the election for our board regardless of how much money that individual has on deposit.

Angie Rael

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Meet Angie

With Veridian since 1989, most of my career has been in lending. I believe Veridian offers competitive products and rates, but what sets us apart are our integrity and member service. We want the best for our members and understand purchasing or refinancing a home is one of the largest financial decisions they can make. Whether it’s a first home or last, I will coach my borrowers and help them find the best loan product and give them peace of mind throughout the process.

Outside of work, I love spending time with friends and family, and I love to travel.

Bob Borcherding

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Meet Bob

I'm a graduate of the University of Iowa, and I’ve been originating and approving loans since 1997. I love working at Veridian because we are truly here for the member. We offer the best rates, products and terms that are available, whether purchasing or building the house of their dreams, or refinancing their mortgage.

When I’m not helping people reach and realize their home financial goals, I enjoy boating, camping and spending time in the Boundary Waters.

Brett Kass

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Meet Brett

My job is to help navigate you through the mortgage process and make it a fun and enjoyable experience.

I have been with Veridian since 2005. Working with our members is what I enjoy the most, whether it’s a first-time homebuyer or someone looking to consolidate debt. Your house is typically your biggest investment, and getting to be a part of that is an extremely rewarding privilege.

I am originally from Jesup, Iowa, and moved to Iowa City in 2008 when Veridian first opened the branch here. After getting into the mortgage department, I decided to stay and now consider Iowa City to be my hometown.

When I am not at work, you can find me riding around Johnson County on my bicycle, normally in my Donate Life or Pink Floyd bike jerseys.

Donnell Jones

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Meet Donnell

I started in the real estate/mortgage business in 1996. The reason I love my career is the people! It is exciting to help consumers purchase and refinance homes. Another great thing about being a part of the Veridian Credit Union mortgage team is the smooth and seamless process I have the opportunity to provide to members!

One of the things I like to do outside of the office is spend time with my family and friends. At Veridian Credit Union, every one of my co-workers is so willing to help, and is friendly and welcoming.

Gabe Wilcox

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Meet Gabe

I’m a professional problem solver with a passion for mortgage lending. As a mortgage lender, I get to experience some pretty moving stuff. I’m inspired by hard workers. I’ve been influenced by Midwestern people that roll up their sleeves and work to support their families’ day in and day out.

My passion for home lending started years ago growing up in a small town in South Dakota. Many people there struggled to make ends meet and, as a result, truly valued what they had. One of them was my grandmother. She came to the United States from Chile. She didn’t speak English very well but raised three kids as a single parent all without owning a car. She had a big goal of having a home that her children could call their own. It took her nearly 15 years of hard work and pinching pennies, but she finally purchased her first home. To this day is it one of the proudest moments of her life. If you ask me, that’s a huge success!

It's stories like this about being a proud homeowner that motivate me daily. I am honored that hard-working people trust me with the largest investment of their lives: their home! It’s why I’ve dedicated my career to educating and equipping future homeowners since 2004. Mortgages can be very complex and every person’s situation is different. I take great pride in listening to every person’s unique situation because there is no “one size fits all” mortgage. I present the best options available to my clients, and we discuss the advantages and disadvantages of each option. When my customers are comfortable, they pick the mortgage option that best suits their needs.

I chose to work at Veridian Credit Union because it has the same values that I have. Veridian is committed to mortgage lending and takes tremendous pride in serving ALL of their members. Their commitment is most evident by being a market leader with incredibly low rates and fees. These extremely competitive rates and fees add up to an incredible value for members and allows me to give my clients the most attractive mortgage loan possible.

I believe I can add value to your next mortgage experience and I look forward to speaking with you very soon.

Gary Ellwood

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Meet Gary

I’ve been in the mortgage loan origination business since 1994 and worked for Veridian Credit Union since August 2013. My favorite part of the job is seeing the happiness of members at a successful real estate closing. What I love about working at Veridian is the people that I work with. They are fun, hard-working people who are always willing to go the extra mile for members and to help their co-workers.

My favorite activity outside of work is biking and exploring the bike trails of Iowa. I live in Ankeny and ride the bike trails year-round.

Jon Wolken

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Meet Jon

I work with Veridian Credit Union members to help determine their best home financing options. Veridian Credit Union treats its members and employees like family and provides the perfect platform for me to help members set up a successful and secure financial future.

I began my career originating in October 2001 and have been recognized by the Iowa Mortgage Association for being a President’s Club/Winner’s Circle producer every year since 2008. Through this journey, I have realized the most rewarding experience is seeing the American Dream come to true for a member.

I hold a Bachelor’s degree in finance from the University of Iowa. My favorite activities include spending time with family, searching for my golf ball and watching Hawkeye athletics.

Karla Caffrey

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Meet Karla

I have been at Veridian since August 1979 and in the mortgage department since October 2012 at our Ankeny Main branch. Ankeny has so much to offer families with a great school system and activities for the entire family. I am fortunate to live and work here, helping members achieve their goals whether it be refinancing or purchasing a new home. We have a lot of great people here at Veridian - from the staff to all of our members. I have built great relationships working with them.

I am an Ankeny girl. My family relocated here when I was in grade school and I have never left. I married my high school sweetheart and we raised our three wonderful kids here. I feel I have been very blessed to have a very close family.

Kathy Demsky

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Meet Kathy

I have been in the mortgage loan profession since 1977. This has been a fulfilling and passionate experience for me my entire career. Veridian Credit Union has played a major role in why I love my job so much. I am able to create meaningful relationships working here and help play a vital role by offering a broad range of products not everyone can offer. I am encouraged to volunteer and enrich our communities and make everyone feel appreciated and important. If you have not had a Veridian Credit Union experience, I would encourage everyone to come in and see it for yourself!

In my spare time, I love spending time with my family and going fishing.

Keith Hartley

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Meet Keith

I grew up in Cedar Rapids and graduated from the University of Iowa in 1994. I started originating first mortgages in 1995. Buying a home is often one of the biggest purchases a member will ever make. I enjoy guiding buyers through the process to make it a pleasant experience for everyone involved in the transaction.

In my free time, I enjoy attending the athletic activities of my sons Kole and Karson, biking with my wife, Kris; and watching the Hawkeyes.

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Meet Lori

A 2005 University of Northern Iowa graduate with a finance real estate degree, I have been with Veridian since 2004 and in the mortgage department since 2010. I love that each transaction is unique. Seeing the smiles and surprises of my borrowers when they buy their home or save money through refinancing is one of my favorite parts of the job. Everyone I work with is a friend, and it truly feels like a family.

Outside of working, I love to cook, bake and play silly games with my three kiddos and just relax.

Lori Lustgraaf

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Meet Lori

For over 20 years, I have had the privilege of assisting families realize their dreams of home ownership. Helping members make decisions that lead to their financial success is why I love working at Veridian. Not only do I feel like I work with family, but I feel like the members get to experience that as well. Being a not-for-profit, we’re able to offer low-cost loans and the best mortgage rates in town. Thank you for entrusting me with the opportunity to help you obtain the best mortgage possible.

I love traveling to tropical destinations and spending time outdoors with family and friends.

Melina Arroyo

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Meet Melina

There is no place else on earth quite like the Midwest and owning property here is one of the great privileges of life. I am convinced you will love it too and want to plant roots of your own. “Can I afford buying a home? How can I qualify for a mortgage loan? What program is the best for me?” These are the questions I can help you answer.

I am originally from the beautiful island of Puerto Rico. As a mortgage and loan professional since 2005, I have the knowledge and experience to help you through the loan process, find the terms that are right for your budget and make sure all the legalities are competently handled so that the closing goes smoothly.

My goal: make the home-buying experience enjoyable for members like you!

When I am not busy helping our members making their homeownership dream come true, you can find me volunteering in the community, running, attending my children’s sporting events or just enjoying a good read at home.

Mirsada Ibradzic

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Meet Mirsada

I’ve been at Veridian since 1999 and have been originating loans since 2003. I love the philosophy of people helping people. We are a strong team of individuals who always put our members first and will help each other in a time of need. I love making the buying process an easy one so I can see a buyer get their dream home.

My time outside of the office is spent with my family and cooking for them.

Nichole James

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Meet Nichole

I was born and raised in Cedar Rapids and have recently relocated to the Council Bluffs/Omaha area to partner with members to help achieve their financial goals at our West Broadway branch. Veridian cares about its members and employees and has their best interest at heart, whether it’s their first home purchase or they are refinancing their existing home to consolidate or save extra cash each month. Everyone belongs at Veridian!

During my free time, I enjoy being with family and friends. My husband and I love camping and kayaking in the summer, watching football in the fall (Go Hawks!) and spending as much time as we can with our eight nieces and nephews. We also have a dog named Hank and a cat named Jack.

Pete Halvorson

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Meet Pete

I have been originating mortgages with Veridian since 2006 at the Westdale location and have been in lending overall since 1989. I enlisted in the U.S. Air Force out of high school and have enjoyed originating loans with Veterans.

Whether you have bought numerous houses in the past or it is your first one, my goal is to be as transparent as I can throughout the whole process. It can be pretty overwhelming when you purchase or refinance, and I find that when I communicate effectively with you and your real estate agent that the end result is a pleasant, informed and fun buying experience.

Originally from New Hampton, Iowa, I moved to Cedar Rapids in 2003 with my wife, Leanne. We have two kids – Jack goes to Prairie High School and Natalie goes to Kirkwood Community College. They keep us busy with all of their extracurricular activities. I enjoy time spent with my family and watching the Prairie Hawks, Iowa Hawkeyes and Minnesota Vikings.

Stacey Koontz

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Meet Stacey

My goal is to make the mortgage loan process easy to understand and smooth, from prequalifying to closing. I bring years of financial experience to the table, including exclusively in mortgage lending since 2007. I look forward to making this an enjoyable experience for you by educating you about the best home loan to fit your needs and taking time to answer all your questions.

I am originally from the small town of Jesup, Iowa, and received a Bachelor's degree in business management from the University of Northern Iowa. I enjoy staying active and spending time outdoors with my two amazing sons. We especially enjoy taking advantage of all the bike trails in Cedar Falls, where we currently reside.

Communication with all parties involved throughout the process is key and something I focus on greatly. I am fortunate to be a part of an amazing, caring team of experienced mortgage professionals that will make your loan experience extraordinary. Please feel free to contact me for any of your mortgage lending needs.

Terry Williams

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Meet Terry

I’ve been originating mortgages since 2001, helping members realize their dreams of homeownership. A home is typically a family’s largest financial liability, but it is also their largest financial opportunity. My primary goal is to help them structure the mortgage they choose to maximize their future.

When I’m not helping families achieve intelligent homeownership, I enjoy any activity that involves water.

Tom Nelson

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Meet Tom

Since 1994, I have had the pleasure of being a mortgage loan originator. Even after thousands of purchase transactions, I still get a thrill telling clients at the end of the closing: “Congratulations – the house is yours!”

Being at Veridian Credit Union makes this experience even more enjoyable. Our low rates and costs, the speed of our turnaround time and the underwriting flexibility that comes with being a not-for-profit credit union means I get to help members achieve their dreams and save them money as well.

Outside of work, I enjoy spending time with my wife, visiting our college-age twins and, of course, cheering on the Iowa State Cyclones and Pittsburgh Steelers.

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Meet Ty

I’ve been with Veridian since 2009 and have been helping members purchase a home with a Veridian mortgage since 2016. I’ve always felt part of a family more than a team. I know the people I work with on a daily basis will always be there for myself and for our members. We keep the member's best interest in the forefront and share the joy at the closing day!

When I’m not helping members purchase a home, I enjoy working on homes, traveling and spending time with my English bulldog, Tucker.